Hurricane Insurance Protection

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The Hurricane Insurance Protection-Wind Index (HIP-WI) Endorsement offers extra protection when combined with an underlying crop insurance policy.

Coverage kicks in when a county, or neighboring county, is hit by a named hurricane based on data published by the National Hurricane Center (NHC) at the National Oceanic and Atmospheric Administration (NOAA).


How Does It Work?

  • HIP-WI and Tropical Storm indemnities are paid when county loss criteria are met.
  • No Notice of Loss is required to be filed for a claim since payments are automatically triggered.
  • Tropical Storm indemnities are limited to 50% of the Hurricane Protection Amount (HPA). When combined with HIP-WI, up to two indemnities are allowed but cannot exceed 100% of the HPA.  

What are the Benefits?

  • No additional acreage report is required for HIP-WI coverage since it’s based on your underlying policy.
  • Coverage can be combined with the Supplemental Coverage Option (SCO) and the Stacked Income Protection Plan (STAX) with companion policies.
  • HIP-WI may be paired with the Tropical Storm Endorsement for even more protection.

NEW! Tropical Storm Option

When combined with Hurricane Insurance Protection - Wind Index (HIP-WI), the Tropical Storm (TS) option provides more complete coverage for tropical storm weather events not covered by HIP-WI. This endorsement covers the county, or neighboring county, within the area of a tropical storm with sustained wind speeds of over 39 miles per hour and at least six inches of rain over four days. Tropical storm criteria are determined by the NOAA and RMA.

Talk to your FMH agent about adding the Tropical Storm Option to your plan.



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70 Crops

The HIP-WI and Tropical Storm endorsements are available for over 70 different crops.

Coverage Availability

Coverage is available in select counties within Atlantic coastal states and those near the Gulf of Mexico within the FMH writing area.

Tropical Storm Endorsement Map

Important Dates

HIP-WI Sales Closing Date:
The Sales Closing Date for HIP-WI coverage is the same as the underlying crop policy. 

Tropical Storm Sales Closing Date:

For 2023 only, the Sales Closing Date for Tropical Storm coverage is April 30. HIP-WI and Tropical Storm coverage may be selected together until April 30, but not HIP-WI only. For the following crop year, the Sales Closing Date for both coverages aligns with the crop the election is made with.

Cancellation Date:
The Cancellation Date for each endorsement is the same as the underlying crop policy.